<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF SOUTH FLORIDA BANK HOLDING COMPANY FOR THE YEAR ENDED
DECEMBER 31, 1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                       4,663,206
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,179,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,476,165
<INVESTMENTS-CARRYING>                       8,163,011
<INVESTMENTS-MARKET>                         8,140,000
<LOANS>                                     43,135,706
<ALLOWANCE>                                    904,562
<TOTAL-ASSETS>                              71,529,527
<DEPOSITS>                                  63,887,775
<SHORT-TERM>                                   749,057
<LIABILITIES-OTHER>                            489,970
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,110
<OTHER-SE>                                   6,395,615
<TOTAL-LIABILITIES-AND-EQUITY>              71,529,527
<INTEREST-LOAN>                              3,716,153
<INTEREST-INVEST>                              981,321
<INTEREST-OTHER>                               172,198
<INTEREST-TOTAL>                             4,869,672
<INTEREST-DEPOSIT>                           1,917,999
<INTEREST-EXPENSE>                           1,956,622
<INTEREST-INCOME-NET>                        2,913,050
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               3,828
<EXPENSE-OTHER>                              2,632,357
<INCOME-PRETAX>                                892,206
<INCOME-PRE-EXTRAORDINARY>                   1,000,206
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,000,206
<EPS-PRIMARY>                                      .82
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.13
<LOANS-NON>                                    262,692
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               852,270
<CHARGE-OFFS>                                   98,341
<RECOVERIES>                                   150,633
<ALLOWANCE-CLOSE>                              904,562
<ALLOWANCE-DOMESTIC>                           904,562
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>